Lindsey Edwards
January 26th, 2026
Great customer service! thank you Yazmin
State:California
State: California
Branch Details
303 N 2nd Street
El Cajon, CA 92021
Located in the town of El Cajon
Business Hours
Business hours: Friday: 8:00 AM to 8:00 PM. Monday: 8:00 AM to 8:00 PM. Saturday: 9:00 AM to 7:00 PM. Sunday: 10:00 AM to 4:00 PM. Thursday: 8:00 AM to 8:00 PM. Tuesday: 8:00 AM to 8:00 PM. Wednesday: 8:00 AM to 8:00 PM.
Moneytree Consumer Loans
Payday Loans
Payday Loans are available up to $2551 with approval.
Don’t wait for payday – get the cash you need now at Moneytree! Payday loans are short-term, single-payment loans that are convenient and fast. You can receive your funds in cash, by ACH to your bank account (online loans only), or Instant Funding* deposited to your qualified debit card account. A payday loan costs approximately $17.65 per $100 borrowed. For example, a $100 loan due in 14 days would have a total repayment amount of $117.65 and has an APR (Annual Percentage Rate) of 460.16%.**Here’s what you’ll need to apply for a payday loan online or in any California Moneytree branch:
Check Cashing Services
Additional Services
Frequently Asked Questions (FAQs)
When autocomplete results are available, use up and down arrows to review and enter to select.
To verify your loan or payment due date, or in some cases, make a change to your due date, please log in to your Moneytree [online account](https://secure.moneytreeinc.com/?_gl=1*d99khl*_gcl_au*MTgzNjE4MTU2Mi4xNzY2MDAwNDQ4*_ga*NTI3MzAxMzAzLjE3NjYwMDA0NDg.*_ga_6CYBB5YB80*czE3NjkyMDk0OTAkbzMyJGcxJHQxNzY5MjEwNjI5JGo1OSRsMCRoMA..#/Login). If you don't have an online account, you can call or visit any Moneytree [branch](https://locations.moneytreeinc.com/) or contact our Customer Service Team at 1-800-745-1011 to discuss due date options.
You can make online payments by logging into your Moneytree [online account](https://secure.moneytreeinc.com/?_gl=1*bov3wu*_gcl_au*MTgzNjE4MTU2Mi4xNzY2MDAwNDQ4*_ga*NTI3MzAxMzAzLjE3NjYwMDA0NDg.*_ga_6CYBB5YB80*czE3NjkyMDk0OTAkbzMyJGcxJHQxNzY5MjEwNjI5JGo1OSRsMCRoMA..#/Login). Telephone payments may be made by calling Moneytree Customer Service 1-800-745-1011.
It depends on a number of things.
- When applying online, it is important to submit all of the requested documentation and information. With all of the necessary information, Moneytree can typically make a loan decision quickly.
- If you are approved, you will receive an email or text message with your approval and an offer of credit. If you are not approved, you will also be notified by email or text.
- Once approved, you can log into your online account and choose how much you'd like to borrow, up to your approved amount, and how you want to receive your funds. The amount of time it takes to receive your funds will depend on your preferred funding method:
1. Pick up cash at your nearest Moneytree Branch (same day in states where available) 2. Instant Funding¹ to your qualifying debit card account (same day) 3. Load to Moneytree-issued prepaid debit card (same day) 4. ACH deposit to your bank account (up to 5 business days)
*¹Instant Funding is not available for all debit cards. Subject to limitations. Some restrictions may apply. Processing times vary. In most instances funds are transferred in approx. 30-45 minutes, but can take longer. Moneytree is not responsible for bank, processor and other third party posting delays or errors.*
Moneytree payday loans (also known as cash advance loans) are short-term, single-payment loans that are convenient and fast. You can apply quickly and easily [online](https://secure.moneytreeinc.com/?_gl=1*1enctnp*_gcl_au*MTgzNjE4MTU2Mi4xNzY2MDAwNDQ4*_ga*NTI3MzAxMzAzLjE3NjYwMDA0NDg.*_ga_6CYBB5YB80*czE3NjkyMDk0OTAkbzMyJGcxJHQxNzY5MjEwNjI5JGo1OSRsMCRoMA..#/) or at any participating Moneytree [branch](https://locations.moneytreeinc.com/?_gl=1*1enctnp*_gcl_au*MTgzNjE4MTU2Mi4xNzY2MDAwNDQ4*_ga*NTI3MzAxMzAzLjE3NjYwMDA0NDg.*_ga_6CYBB5YB80*czE3NjkyMDk0OTAkbzMyJGcxJHQxNzY5MjEwNjI5JGo1OSRsMCRoMA..). If approved, you can pick up your funds in a Moneytree branch or have your funds sent to a qualified debit card account with our convenient [Instant Funding](https://www.moneytreeinc.com/services/instant-funding/)\* option (in-branch or online), or to you bank account via ACH (online only). Moneytree offers payday loans [online](https://secure.moneytreeinc.com/?_gl=1*1o4o7px*_gcl_au*MTgzNjE4MTU2Mi4xNzY2MDAwNDQ4*_ga*NTI3MzAxMzAzLjE3NjYwMDA0NDg.*_ga_6CYBB5YB80*czE3NjkyMDk0OTAkbzMyJGcxJHQxNzY5MjEwNjI5JGo1OSRsMCRoMA..#/) or in any [California](https://locations.moneytreeinc.com/ca), [Idaho](https://locations.moneytreeinc.com/id), [Nevada](https://locations.moneytreeinc.com/nv) or [Washington](https://locations.moneytreeinc.com/wa) branch.
*\*Instant Funding is not available for all debit cards. Subject to limitations. Some restrictions may apply. Processing times vary. In most instances funds are transferred in approx. 30-45 minutes, but can take longer. Moneytree is not responsible for bank, processor, and other third-party posting delays or errors.*
The amount you can borrow\* is calculated and may change based on:
- Your Moneytree credit history
- Your current income
- Details you provide on your loan application
- Information from your consumer credit report
*\*Your account balance with Moneytree must be current and in good standing in order to take out a loan.*
WANT TO EARN $25?
Stay in touch. Receive updates about Moneytree products, offers and promotions.
Recent Reviews
- Santana EspinozaJanuary 24th, 2026thank you so much to my queen Alex! made the process of cashing a couple money orders very easy with a 4% processing fee and she was overall very very nice as well!! 10/10 thank yalll
- Jose LarragaJanuary 22nd, 2026The staff at money tree are great especially Yazmih and Laura OSCAR AND Danielle great staff and friendly....
- Jose CarrilloJanuary 22nd, 2026yaznin gived a good customer service and made customers feel welcomed
- Chris SalewskeJanuary 21st, 2026Yazmin and Oscar are always a light brighter than most. They are an asset to the money tree family and I’m always glad to see there faces
- Shimmer SirJanuary 21st, 2026Oscar and Yazmin at Moneytree were awesome! They were super friendly, helpful, and made everything really easy to understand. They took the time to answer all my questions and didn’t rush me at all. The whole experience was smooth and stress-free
- Sondra HillJanuary 21st, 2026Yazmin has the best customer service. Shes so helpful and helped me get everything I need done :)
- J.Quintanilla San NicolasJanuary 21st, 2026I love how they welcomed me with open arms
- Melissa SadlerDecember 4th, 2025QUEEN TANIA SAVED THE DAY!!! NICEST PERSON AND BEST EXPERIENCE IVE EVER HAD! THANK YOU!!!
- Sean SadlerNovember 24th, 2025Its based off credit not paystubs!! They lie, i asked for the equivalent of 6% of my monthly income and they say now its credit. Liars you deserve this location.
- JORGE “homie” CONTRERASOctober 12th, 2025Always With a Good Service
- D MottyOctober 8th, 2025This was the only place to help me when I was far from home and in worst case money scenario. I cannot say how amazing and helpful they were. I highly recommend 10/10
- Roxana CortezOctober 7th, 2025The ladys that worked here are really nice 🙂.
- John GoddardSeptember 13th, 2025slooooowwwww
- Andrew DavisJuly 9th, 2025I had a rather frustrating experience here when I was told that in order to cash my check I had to pay a 10 percent fee. I wasn't exactly helped as I would've liked also. I guess since I'm younger they looked at me as just a kid but I know now
- Polly AvignoneJune 20th, 2025My name is Polly. I had a situation that was time sensitive and involved a large sum of money. Oscar WAS MY HERO! He answered the phone when I first called about my situation. I went in to see him and and he took me under his wing and walked
- Eric E.February 28th, 2025I had called all around San Jose and San Diego inquiring about cashing a check. Every location ranged from 6-10% and the one that was 10% in San Jose offered a small discount. Called Moneytree and was fortunate to reach Alex. They charge
- Jeankenny AvrilFebruary 13th, 2025Awesome I like that
- Ricardo FonsecaOctober 4th, 2019Great service never had a problem
- brooke womackJanuary 20th, 2019Amazing customer service!!😊
- Anthony MoraNovember 18th, 2018Been using Moneytree for a few years now when needed and its always a great experience. I was very impressed with my teller today I believe her name was Deejay. She greeted me with a warm smile and even remembered me from the transaction inquiry
- Ahmed ThabitJune 9th, 2018Good
- Taya TayApril 2nd, 2018I been using money tree for years now when needed. I love how this loan place works vs others and they have really great policies. Always looking to make it easy for the customers. This location has the most friendly staff.
- najwan zakiDecember 9th, 2017A very nice and helpful team and the employee named Jesus has an excellent customer service Thank you money tree
- Peggy BessOctober 3rd, 2017Always excellent customer service. Very friendly and informative. Always several windows open so you don't have a long wait. I was exclusively at ace cash express on chase And avocado for 10 years. I came here because ace closes at 6 pm
- Taylor (tyklink)September 26th, 2017Awesome experience here.
- Evan HenageJuly 16th, 2017Deejay and Leslie were awesome they should get a raise asap.
- S BassamSeptember 13th, 2016Worst service, they made me suffer to transfer money, and then suffer to refund.
- Anthony PetersMay 4th, 2016Pretty seamless money transfer services. However i will mention be accurate on the name because my CADL shows Anthony but my family member put Tony down and they almost didn't allow it. They said their policy is a variance of 3 letters. Phew
- Kunmi ToyinboApril 22nd, 2016Nice, Condusive place.
- Nicole PepperApril 20th, 2016Victor is very friendly and helpful! He definately worthy of 5 stars!
- Randy ShepardJune 19th, 2015Very friendly people!!!